FAQ

Credit Cards

You can redeem your Visa® points through Member Choice Rewards online or by phone.

Online: Log onto the redemption site. If this is your first visit, you must set up a user name and password to log in. Once you have enrolled you can redeem your points for merchandise, gift cards, charity donations, and travel.

Phone: Call 1-844-MBR-CHOICE (1-844-627-2464).

To switch or apply for a rewards points Visa card, contact us at (800) 336.0284.

Log into your Signature FCU Online Branch account from a computer or mobile device using our app, and choose the account that you’d like to use to pay your credit card bill.

Transfer funds from another financial institution. You must deposit funds into your Share Savings, Checking or Money Market Account first. Then, once the deposit is in your account, you can make the payment transfer to your credit card or loan balance.

Set up payment through Web BillPay. Log in 24/7 to:

Send payments to any person or business in the U.S. and its territories, quickly and easily.

Schedule payments (one time or recurring) up to a year in advance.

Pay a single bill at one time or pay all your bills at once.

View, print and save images of posted checks.

To learn more about Web BillPay and set up your account, download the Web BillPay Guide.

Online:(COMING SOON) Log into your account and click Options, then Visa Card Info. Once you are logged in, you may also make payments and transfers between your accounts. For online account access, click Enroll or call (800) 336.0284.

Online:
Log into your account 24/7 using your username and password. You may also make a transfer from your Share Savings, Checking or Money Market account to pay your Visa card.
Mobile app: Download the mobile app from the Apple App store or Google Play.
You must have a username and password to make payments via web or mobile app. To create an account, click Enroll or call us at (800) 336.0284. This login is the same for both web and mobile app access.

You may choose the option that works best for you. Note that you may be charged a fee to send a wire transfer.

Initiate the transfer at the institution that the funds will be wired from. You will need to provide this information:

The name of the Credit Union (that’s us!)

Our ABA/routing number, which is 254074934

The receiving account and Loan number

Member name who is receiving the payment

Signature’s telephone number, which is (800) 336.0284.

Set up an automatic transfer, called an ACH. To set up an ACH payment, you can log into your Signature account or call us at (800) 336.0284. There is a $1.95 fee to set up a one-time transfer. There is no charge for setting up recurring transfers.

Log into Web BillPay to set up payments from your Share Savings or Checking accounts or from your payroll deposit. There is no fee for transfers from these accounts.

Contact us immediately if your card is lost or stolen at (800) 336.0284. You will also want to contact Visa to cancel the card and prevent someone from making purchases using your funds. To report a lost or stolen card, contact Visa Emergency Assistance 24/7 at (800) 682.6075. If you suspect fraud on your card please contact Visa Fraud/Risk management at (800) 417.4592

ATM cards and debit cards are both used to access money in your account. An ATM card is used to withdraw cash from your account at an Automated Teller Machine (ATM). A debit card offers access to your checking account funds via an ATM or when making purchases at a store. As a Signature member, you may use your debit card to withdraw funds from ATMs and to make purchases at stores – there is no separate ATM card.

Every Visa card available to you as a Signature member offers a low rate, no annual fees, no minimum finance charge, and the same rate on purchases, cash advances, and balance transfers. Once you have compared the benefits of each card and decided which one is right for your needs, you may apply online.

Loans

Our business loans can help you turn your entrepreneurial dream into a reality. And we’re with you every step of the way, with a full package of business solutions to fit your needs. To speak with a Signature representative about starting your business, call (800) 336.0284.

Yes, you can choose from a variety of secured or unsecured debt consolidation loans. A signature loan or home equity loan may be appropriate solutions for your bill consolidation goals. Your accountant can advise you about which debt consolidation loans will help you meet your goals.

Yes, we will finance up to 100% of the purchase price including tax and tags. We will even help you establish the value of a used car based on the NADA appraisal book so you can ensure you are getting the best price. We offer vehicle loans that cover new or used cars, trucks, boats, motorcycles, ATVs or RVs.

Your approval is valid for 90 days while you shop for a vehicle. Once you have found a vehicle, we will need the purchase order to fund the loan appropriately. If you are buying a vehicle from an individual, you must also send a copy of a bill of sale along with a copy of the title or registration.

If you qualify, you can get approved in just 60 seconds via an online application. We can let you know if you’re approved within the same business day for other application methods. Applying for a Signature loan to make a purchase or take a vacation is easy:

Loans have individual qualifications. Fortunately, applying is fast, easy and free. Our loan staff will work with you to look for opportunities to get your loan request approved and you’ll know within 60 seconds if you qualify.

We will pull a credit report to calculate the best option, but also consider other records when making the decision. You shouldn’t let a credit report prevent you from applying. To discuss options before applying, call us at (800) 336.0284.

Yes, we can refinance your auto loan if it is financed with another institution. We do not typically refinance Signature auto loans, but we will review your situation individually. Choose one of these options to submit your refinance application:

We’re here for you from start to finish. Just follow these simple steps.

Apply for a preapproval. Log into your account and start your loan application. We can help determine what loan amount you qualify for. Your preapproval is good for 90 days while you shop around and test drive cars.

Real Estate

A home equity loan is normally drawn out in one lump sum (a closed-end loan), while a home equity line of credit is used mostly as revolving credit (open-end). You can draw the entire amount at once or as needed.

To obtain a lower rate on your loan, the money you pay up front at closing represents discount points. 1 discount point = 1% of your loan amount. This payment increases your closing costs up front, but your lower rate will help you save interest over the life of the loan. View current mortgage rates and points.

Checking

It’s easy to order or reorder checks. First, browse the check catalog and select your design. Signature checking accountholders receive (1) free box of basic checks each year. You will be charged for any additional check orders.

Choose how you’d like to place your order:

Mail: Complete the reorder coupon included with your checks and mail it to the address listed.

Online: Order directly through Harland Clarke. Please do not use this option if you need to update any information on your checks.

• No minimum balance requirement
• Limited to one account per member
• One free box of standard checks per year
• E-statements
• Access to our online account management, Online Branch

To qualify for Choice checking account, you must:
• Have Direct Deposit totaling $1,000 or more into your account per month
• Enroll in Signature e-statements
• Make 10 or more purchases each month with your Visa® debit card (for high dividend option only)

Learn more about Choice Checking rates and criteria and application details, or call us at (800) 336.0284.

Your PIN (Personal Identification Number) is a verification number that’s required to make certain transactions using your debit card. For example, withdrawing money from an ATM or buying groceries. As a safety precaution, your Visa debit card (or Visa credit card) and your PIN will arrive in different mailers. If you forget or misplace your PIN:

Call us at (800) 336.0284 to request a new safety code. New PINs are typically received in 7-10 days.

You can also choose to set up a custom PIN by calling (877) 746.6746. Your custom PIN will be updated in two business days.

It is important to choose a PIN that is unique and memorable. Do not share your PIN with anyone else.

An overdraft fee is charged when an accountholder tries to withdraw more money than is available in the account. If the accountholder authorized an overdraft agreement, the overdraft fee is a small surcharge to transfer funds to cover the transaction. An accountholder is charged an insufficient funds fee if there is no overdraft agreement when an attempt is made to clear an account with fewer funds available.

Member Privilege is an opt-in program that helps cover your account and avoid fees charged by the merchant for insufficient funds. Opt in to Member Privilege today by contacting us at (800) 336.0284.

As a Signature checking accountholder, you can use your debit card to withdraw cash at an ATM and to make purchases. Through the CO-OP Shared Branch Network, you can visit thousands of ATMs throughout the U.S. and Canada and withdraw funds without paying a fee. If you need to order a new debit card, call us at (800) 336.0284.

Log into mobile banking through the app using the same username and password you use on your computer. You must create an online account on your computer before you can access mobile banking.

Remote Deposit allows you to deposit funds in your account using a mobile device. Using the app, take a picture of the front and back of the check(s) you wish to deposit and hit submit. Your account will be credited for the deposit within a few days. Keep the hard copy of your check for two weeks in case we have any questions for you, and then you may securely destroy the original check.

You will be asked to enroll in the password self-reset feature when you log into your Online Branch account for the first time. This feature will help you log in if you forget or misplace your password. To enable this feature or change your existing PIN, follow these simple steps:

Log into your online branch account.

Select the Options tab near the top of the page.

Enter a new Password Self-Reset question and answer.

Check the email address you have one file with us for an email will include a confirmation link.

Click the link in the email; you will be directed to a page where you will be asked to answer your password reset question. This question and answer is separate from the verification information established for the Multi-Factor Authentication and is only used when resetting your password.

Funds from a Direct Deposit will be available by the start of business on the next business day. You can log into your online account 24/7 from any computer or mobile device to check your balance. If you have not created an online account yet, sign up now.

Tax-related documents and IRA forms are sent to you through the United States Postal Service. Members who enrolled in E-statements can also access tax forms by logging into their account and clicking the E-statements tab. IRA forms are not available online.

The wire transfer, also called a same-day bank-to-bank transfer (if the request is received prior to the cut off time), must be initiated at the institution that currently holds the funds. You will need to provide them the following Signature FCU account information:

Name of the Institution: Signature FCU

Routing Number: 2540-7493-4

Account Number: The Signature FCU member account that you want to receive the funds

Please note: ABA Routing numbers obtained from checks or deposit slips may not be valid for processing a wire transfer. If you are wiring funds to another institution, please contact that institution to get the appropriate wiring instructions.

E-statements allow you to retrieve important account documents any time, from any computer. We will email you when new E-statements are available. Just click the link in the email to log into your account and view your E-statements. To enroll in E-statements, please call us at (800) 336.0284.

There are many ways to deposit funds into your Signature FCU account. Choose the option below that works best for you:

Mobile app: Download our free Signature FCU Mobile Banking App from the iTunes App Store or Google Play. You can use Remote Deposit anywhere to take a picture of your check and deposit the funds into your NAPUS FCU account.

Visit a branch or ATM: Stop by one of our CO-OP Shared Branches or an ATM that takes deposits. Find a location near you.

Online: Log into your Online Branch account to access our free electronic funds transfer (FI to FI). An online transfer usually takes 2-3 business days for the funds to post.

Phone: Call (800) 336.0284 to have a Financial Service Representative set up the electronic fund transfer. Please have the routing number (ABA#) and account number of the financial institution where you want the funds to come from.

Mail: Drop your signed check(s) in a sealed envelope addressed to:

Signature Federal Credit Union

PO Box 148

Alexandria, VA 22313-0148

General

Your account number is located on your statements and on the bottom of your check (the second set of numbers). You can also contact us for your account information. For security purposes, you will be asked to verify several things before we can release your account number to you.

The Signature Federal Credit Union branch office is open from 9:00 am to 5:00 pm, Monday through Friday. Deposits, payments and check cashing done after 2:00 pm are credited the next business day. Your Online Branch account access is available 24/7. Log into your account to check your balances, view transactions, get copies of checks, transfer money, make payments, request a check to be mailed to you from your account, apply for a loan and pay bills through Web BillPay system.

A routing or ABA number is a nine-digit number that identifies a financial institution and is used for electronic fund transfers. The routing number usually precedes your account number on the bottom of your checks.

Signature Federal Credit Union’s routing/ABA number is 254074934.

You will need Signature’s routing number to use the following services: Web BillPay, wire transfers, checking transactions (sometimes called electronic checks) and direct deposits. Log into your account to perform these electronic payments 24/7.

There are more than 2,000 CO-OP Shared Branches throughout the United States. Hours vary by location. Find a Shared Branch near you.

What is a Shared Branch or a Service Center?
A Shared Branch (or service center) is a location at another credit union where you can conduct Signature Federal Credit Union business. These locations are usually open for extended hours and sometimes on holidays.

What types of transactions can be performed at a Shared Branch?
You can make deposits and withdrawals, loan payments, loan advances and cash advances from your Visa account at all Shared Branches.

Some locations also provide these services (a small fee may be assessed for some services):

Transfers

Statement history

Check withdrawals (bank checks)

Fax/photocopy services

Money orders

Travelers checks

Notary services

What do you need to access your account at a Shared Branch?

Your credit union's name (that’s us!)

Your account number

A valid U.S. Government-issued picture ID with your signature

Find a Shared Branch near you or call us at (800) 336.0284 and speak with a Signature FCU service rep who can help you find the nearest branch.

You can add or remove joint account holders by clicking here to be directed to the Account Change form that you can submit electronically. Once it is submitted, we will contact you for verification purposes.

Deposits made by check will post on the next business day. Cash deposits will post as soon as you make the deposit. To confirm that your deposits have cleared, you should check your account statement. Log into your account to check your statement online or sign up for an online account now.

Yes, the funds in your Signature accounts are insured up to $250,000 by the National Credit Union Administration (NCUA). You can maximize your share insurance up to $3,000,000 by adding joint owners. To estimate the coverage you have on your accounts, visit the NCUA website and use the share insurance estimator. If you are unsure if the funds in your accounts are fully insured, we can help. Contact a representative at (800) 336-0284.

Signature members can choose from wide array of insurance products to support the whole family, including home and auto insurance, GAP, Auto Warranty, Pet Assure and much more – many are available to members at exclusive discount prices. For more information, visit our Insurance and Warranties page.